Best Online Shopping Credit Cards in Singapore (2024)

SingSaver team

SingSaver team

Last updated 01 January, 2024

Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.


Online shopping a way of life for you? Then add these credit cards to cart, pronto.

The best thing about online shopping is that you can refresh your wardrobe or gadget stash without contending with the downtown crowd and the commute. And with the heightened anticipation from the delivery, it makes the unboxing of your new loot all the more satisfying. 

There are so many online shopping and e-commerce sites today, including Shopee, Lazada, Zalora, Taobao, and more. They cover everything from food, fashion, travel, cosmetics, gadgets and even groceries; everything you could ever want is at the touch of your fingertips. However, to shop online like a pro, make sure you’re using the right credit card to really maximise your online spending. You could be missing out on some big cash rebates, rewards or even bonus miles! Here are the best credit cards in Singapore for online shopping right now.

Best for shopping rewards redemption: Citibank Rewards
Best for easy 8% cashback: UOB EVOL Card
Best for e-Commerce shopping: OCBC Titanium
Best for highest cashback rate: CIMB Visa Signature
Best for online food delivery: OCBC 365
Best for online and offline buys: DBS Live Fresh
Best for unlimited cashback: UOB Absolute Cashback Card

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Click here to check out our past Lucky Draw winners!

 


Best credit cards for online shopping
Best for  Best credit card  Benefits 
Shopping rewards redemption Citi Rewards Card
CITI_REWARDS_MASTER
4 miles per dollar on online spend
Easy 8% cashback

UOB EVOL Carduob-evol-1024x644

8% cashback on online spend and mobile contactless spend
Unlimited cashback  UOB Absolute Cashback Card
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1.7% cashback on all spend
Highest cashback rate CIMB Visa Signature Card
CIMBVisaSignatureCard
10% cashback
Online and offline buys DBS Live Fresh Card
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6% cashback on online and in-store shopping
e-Commerce shopping OCBC Titanium  Rewards Card
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4 miles per dollar on top e-commerce sites
Online food delivery

OCBC 365 Card
OCBC365

5% cashback

Best for shopping rewards redemption: Citi Rewards Card

If your ideal kind of day is spent shopping online at home, then the Citibank Rewards Card is for you. 

This is one of the cards that gives the highest reward points: 10 Rewards points (4 miles for every $1) for online spend, both overseas and locally. The best part? No minimum spend is required. Your Rewards points can either be used to offset payment for purchases or to redeem from a catalogue of Citi ThankYou rewards that include various merchandises and travel. 

The monthly cap is set at 9,000 bonus Rewards points per statement month (equivalent to S$1,000 per month for online shopping). Meanwhile, base Rewards points have no cap whatsoever. So if you’re an online shopping fiend and spend over S$1,000 per month, you earn only 1 Reward point for every S$1 spent after the cap is reached.

Also, take note, Rewards points aren’t offered on travel-related transactions so don’t book your flight tickets and hotel stays using this card. Check out the full exclusions here.

TeamCashback-VS-TeamMiles-KV2.1_BLOGARTICLE_800x250

🆚SingSaver's Cashback vs Miles Campaign (Round 2) 🆚: Are you Team Cashback or Team Air Miles?

Be one of the first 400 to receive rewards of up to +S$740 Vouchers or up to +74K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Tokyo, Japan (worth 120K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 24 May, 12pm - 6 June 2024. T&Cs apply.

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card (Team Air Miles):

Citi_CC_KV2_BLOGARTICLE_800x250

Get a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or Sony Portable Theatre System HT-AX7 (worth S$759) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 2 June 2024. T&Cs apply.

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Plus, upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 6 June 2024. T&Cs apply.

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Best for easy 8% cashback: UOB EVOL Card

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If you enjoy buying anything and everything online as well as adore the cashless lifestyle, the UOB EVOL Card is your BFF. 

The main highlight of this easy-to-use credit card is that you get to enjoy a high 8% cashback on all your online spend and mobile contactless spend made via Apple Pay, Google Pay, Samsung Pay or Fitbit Pay.

It's really as simple as that, so long as you meet the decently achievable minimum spend requirement of S$600 per statement month to earn the maximum cashback.

As there is a cap of S$60 per statement month split across the categories, you may need to track your spending.

UOB EVOL Card Welcome Offer: Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmembers with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

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Best for unlimited cashback: UOB Absolute Cashback Card  

If you just want a simple, hassle-free cashback card that has no lid on how much you can get back, the UOB Absolute Cashback Card is the card to get. 

It offers the most straightforward cashback rate: 1.7% cashback on everything! If you think 1.7% sounds low, keep in mind there is no minimum spending requirements or cashback caps.  This is ideal for those who don’t have time to keep track and split expenses across multiple cards (who does?).

With the unlimited cashback in mind, the best time to get hold of this credit card is when you’re anticipating a big-ticket online purchase, such as household appliances, furniture or electronic gadgets. 

UOB Absolute Cashback Card Welcome Offer: Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.

Also, get up to 10% cashback (equivalent to S$100) on the first S$1,000 spend within 30 days from card approval date. Valid till 30 June 2024. T&Cs apply.


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Best for high cashback rate: CIMB Visa Signature Card

While the UOB Absolute Cashback Card offers limitless cashback with a relatively low 1.7%, the CIMB Visa Signature card is quite the opposite: it accelerates your online shopping gains with the highest cashback at 10%. But online shopping itself is a wide spectrum, and it includes groceries; if this category takes up a significant portion of your monthly expenditure, it is highly recommended that you charge it to this card too. 

Another major benefit of the CIMB Visa Signature Card is that principal cardholders enjoy a lifetime fee waiver of annual fees.

Be sure to spend a minimum of S$800 per month to qualify for the 10% cashback, which is capped at S$100 per statement month, split into S$20 per category.

As stated in the exclusions, the cashback applies strictly to online shopping, which means your brick-and-mortar retail spends only get you 0.2%.

Welcome Offer: Receive S$88 Cashback when you make a minimum of S$108 eligible spends within 30 days of card approval date. Plus, receive S$100 Cashback (S$188 in total) when you increase your minimum eligible spends to S$988 within 60 days of card approval date. Valid till 31 July 2024. T&Cs apply.

 

See also: Credit Card Annual Fee Waiver Guide

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Best for online and offline buys: DBS Live Fresh Card

DBS Live Fresh Student Card

Fashionistas, you can do no wrong if you carry DBS Live Fresh into your online shopping spree. Whether you’re shopping for your next great #OOTD ensemble, the latest sneaker release or beauty/grooming products, you enjoy 6% cashback on all qualifying online purchases. 

But that’s just one of the twin engines of cashback earning; all your Visa contactless (PayWave) payments during physical shopping (not limited to retail) also gets you 6% cashback.

 

All other spending earns 0.3% unlimited cashback. In a month, assuming you hit the minimum qualifying spend of S$800, you could earn up to a total of S$70 cashback (cashback cap split into S$50 on shopping spend and S$20 on transport spend). 

DBS has the occasional credit card promotion whereby you earn higher cashback rate on selected categories of spending, or when you hit certain spending goals. So keep a lookout for those.

DBS/POSB Credit Card Welcome Gift: Receive up to S$388 cashback or 85,000 miles when you apply for select DBS credit cards and fulfil the relevant promotion criteria. T&Cs apply.

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Best for e-Commerce shopping: OCBC Titanium Rewardxs Card

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OCBC Titanium Rewards Card Blue
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OCBC Titanium Rewards Card Pink
Apply Now - Blue
Apply Now - Pink

If retail and online shopping are high on your agenda, then the OCBC Titanium Card is the card to shop with.

It gives 50 OCBC$ for every S$5 spent on shopping categories (i.e. 10 OCBC$ per dollar or 4 miles per dollar). Examples include duty-free stores, department stores, clothing stores, shoes and bags stores and babies and children’s wear. 

Fans of Shopee, Taobao, Ezbuy, Lazada, Qoo10, Amazon, Alibaba, AliExpress, Daigou, Mustafa Centre and Courts can also look forward to racking up rewards quickly with this credit card.

That's not all. You can also earn an additional 2% cash rebate if you are shopping at BEST Denki.

Another perk? With complimentary e-Commerce Protection, the card safeguards you against non-delivery or defective goods for all online purchases charged to the credit card.

Do note that the bonus cap is 10,000 OCBC$ per calendar month or S$1,110 per calendar month.


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Best for online food delivery: OCBC 365 Card

365_Cardface

If your idea of online shopping involves ordering a feast from your favourite delivery platforms, the OCBC 365 Credit Card rewards you for that with 6% cashback on the likes of Deliveroo, GrabFood and foodpanda.

The icing on the cake is that it offers a slightly higher than average cashback cap of S$80 per month, assuming you spend at least S$800 per calendar month. 

Besides the 5% cashback on online food deliveries (as well as dining in general), you’ll also get to enjoy an array of cashback privileges on other online spending categories, most notably the 3% on groceries, private hire rides and recurring telco and electricity bills, pharmacy purchases, streaming subscription and electric vehicle charging fees.

For those who drive, the OCBC 365 also comes with fuel perks: up to 22.92% fuel savings at Caltex (including 18% instant discount for all fuel), up to 21.04% fuel savings at Esso, and 5% cashback on fuel spend at all other petrol service stations!


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Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.

 

At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.

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